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I was looking at the standard payment plan, I am currently doing the REPAYE. If I switch the the standard repayment plan does it report my terms for 30 years, I have over 30k in debt? Currently under my plan my credit report says 142 months. Or does it always show the orignal terms?
@creditclueless wrote:I was looking at the standard payment plan, I am currently doing the REPAYE. If I switch the the standard repayment plan does it report my terms for 30 years, I have over 30k in debt? Currently under my plan my credit report says 142 months. Or does it always show the orignal terms?
It will report the new terms of your (new) standard plan.
So for me, it's only 120 months (10y). I went to Standard from ICR.